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Achmarul Fajar
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Analisis Pengaruh Penggunaan Uang Elektronik (E-Wallet) terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi & Bisnis di Universitas Madura Achmarul Fajar; Salwa Andina Agustin; Maulidatus Sholihah; Arikatul Faradies
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i5.1907

Abstract

Advances in digital technology, particularly the use of e-wallets, have brought about significant changes in students’ transaction patterns and consumption behavior. The convenience, speed, and various promotions offered have made e-wallets increasingly popular among students, but they also have the potential to encourage consumerist behavior. This study aims to analyze the influence of e-wallet use on the consumerist behavior of students in the Faculty of Economics and Business at Madura University. The method used is a qualitative approach with a phenomenological research design. Data were collected through online questionnaires, interviews, and observations of 100 respondents selected using purposive sampling. The results indicate that e-wallet usage increases transaction frequency and encourages impulsive purchases, particularly for lifestyle-related products. Furthermore, most students do not have the habit of tracking their expenses, making it difficult for them to manage their finances. On the other hand, e-wallets also offer benefits such as transaction efficiency and easy access to digital services. Thus, the use of e-wallets has a dual impact: it serves as a tool that facilitates transactions while simultaneously having the potential to accelerate consumer behavior if not balanced with financial literacy and good self-control.
SINERGI INKLUSI KEUANGAN DAN LITERASI KEUANGAN DALAM EKOSISTEM DIGITAL TERHADAP KINERJA UMKM DI KOTA SURABAYA Fredy Apritama Djunaidi; Galang Febriansyah; Ach. Royis Rizaldy; Adam Ahmad; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i5.1908

Abstract

This study aims to analyze the synergy between financial inclusion and financial literacy within the digital ecosystem and its impact on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Surabaya City. The rapid development of digital financial services such as mobile banking, e-wallets, and QRIS has provided broader access for MSMEs to engage with formal financial systems. However, the utilization of these services is still not optimal due to the limited level of financial literacy among business actors. This research employs a descriptive qualitative approach using a literature review method by examining various academic journals, books, and official institutional reports. The findings indicate that financial inclusion in the digital ecosystem improves access to financing, enhances transaction efficiency, and supports market expansion for MSMEs. Meanwhile, financial literacy plays a crucial role in improving financial management capabilities, decision-making processes, and risk control (Lusardi & Mitchell, 2014). Furthermore, this study finds that the synergy between financial inclusion and financial literacy produces a more significant impact on MSME performance compared to when these variables are applied separately. MSMEs that have both access to financial services and adequate financial knowledge tend to experience improvements in income, operational efficiency, competitiveness, and business sustainability (Demirgüç-Kunt et al., 2018). In the context of Surabaya, the digital ecosystem acts as a supporting factor that strengthens this relationship. Therefore, strengthening financial literacy and expanding digital financial inclusion are essential strategies to improve MSME performance sustainably (OJK, 2023).
STRATEGI BANK DALAM MENINGKATKAN INKLUSI KEUANGAN MASYARAKAT MADURA Zuhal Thoriq; Mohammad Raihan Alghifari; Ahmad Kivlan Zain; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 6 (2026): Jurnal Riset Multidisiplin Edukasi (Juni 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i6.1972

Abstract

This study aims to identify factors influencing financial inclusion in Madura and assess banking strategies for increasing financial participation, including partnerships with FinTech, the development of micro-waqf products, and financial education programs. The research background is based on the low level of financial inclusion in Madura, which is below the national average, with the majority of the population still relying on informal financial services. This study used a qualitative approach, distributing open-ended questionnaires to 120 respondents in three main Madura regencies (Bangkalan, Sumenep, and Pamekasan) and conducting semi-structured interviews with 12 bank branch managers. The data were analyzed using thematic analysis. The results revealed five main themes: (1) limited physical accessibility of branch and ATM networks, (2) the high demand for digitalization of services, especially for MSMEs, (3) public trust in sharia products as an opportunity for portfolio development, (4) low digital financial literacy, which hinders the adoption of modern services, and (5) the need for local policy support. The study's conclusions emphasize that an effective banking strategy must be multifaceted, encompassing the development of mobile service units, collaboration with local fintech companies, sustainable digital financial literacy programs, segmented Sharia product development, and policy advocacy with local governments. Implementing this strategy is expected to increase financial participation among Madurese, expand the customer base, and support inclusive economic growth in the archipelago.
ANALISIS PERAN PERBANKAN DALAM MENINGKATKAN STABILITAS EKONOMI DI PULAU MADURA Dera Damayanti; Dwi Indah Ria Astari; Yulia Ilmi Qur'ani; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 6 (2026): Jurnal Riset Multidisiplin Edukasi (Juni 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i6.1973

Abstract

This study aims to analyze the role of the banking sector in enhancing economic stability in Madura Island, particularly through financial inclusion, financial technology (fintech) adoption, and the integrity of financial reporting. This research employs a qualitative approach with an exploratory case study design involving banking practitioners, MSMEs, and local government officials. Data were collected through semi-structured interviews, focus group discussions (FGD), and document analysis. The results indicate that the banking sector plays a significant role in expanding financial access for MSMEs, improving business productivity, and reducing dependence on informal financing sources. Furthermore, the integration of fintech and the improvement of financial literacy have been proven to broaden the reach of banking services and increase transaction efficiency through digital payment systems. Government policy support also strengthens the effectiveness of banking in maintaining regional economic stability.
STUDI KOMPARATIF MODEL BUSSINESS BANK KONVENSIONAL VS SYARIAH DI ERA EKONOMI HIJAU Achmarul Fajar; Lailatus Saadah; Qanita Farahdina; Vina Qonita
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i5.2008

Abstract

This study aims to comprehensively analyze the operational differences between Islamic banking and conventional banking systems in Indonesia, focusing on the fundamental principles, products, and operational mechanisms of each system. Using a comparative analysis approach, the research examines fundamental aspects such as the underlying philosophies of operations, methods of fund management, profit-sharing mechanisms, and risk management approaches. The findings reveal significant differences between the two systems: Islamic banks operate based on Sharia principles that prohibit riba (interest) and promote profit sharing and partnership contracts, while conventional banks use an interest-based system as their operational foundation. Additionally, Islamic banks adopt a more cautious approach to risk management to ensure compliance with Sharia values, which influences the structure of the products and services offered. The results of this study are expected to contribute to a deeper understanding of the unique characteristics of both banking systems and their implications within the context of Indonesia's dual banking system. These findings may also serve as a reference for policymakers, banking practitioners, and the public to assess the advantages and disadvantages of each system in supporting financial stability and economic inclusion.
Pengaruh Kualitas Pelayanan terhadap Kepuasan Nasabah pada Bank Rakyat Indonesia (BRI) Cabang Pamekasan Vita Sari; Dhini Febriani; Nurul Toyyibah; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i5.2011

Abstract

This study aims to determine the effect of service quality on customer satisfaction at Bank Rakyat Indonesia (BRI) Pamekasan Branch. Service quality is an important factor in the banking industry because good service can increase customer satisfaction and trust in the bank. This study uses a quantitative method with an associative approach. Data were collected through questionnaires distributed to customers of Bank Rakyat Indonesia (BRI) Pamekasan Branch. The data analysis technique used simple linear regression analysis to determine the relationship between service quality and customer satisfaction. The results of this study indicate that service quality has a positive and significant effect on customer satisfaction. This shows that the better the quality of service provided by the bank, the higher the level of customer satisfaction.
PENGARUH SUKU BUNGA KREDIT TERHADAP MINAT PINJAMAN Mar’atus Sholehah; Ayunida Retno Megarani; Ibnu Halwan; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i5.2024

Abstract

Banking plays an important role in supporting economic growth through the activities of collecting and distributing funds to the public in the form of credit. Credit has become one of the main sources of financing for people to meet consumption needs as well as business capital. However, public interest in applying for loans is greatly influenced by various factors, one of which is the credit interest rate. High credit interest rates can increase the burden of installment payments, thereby affecting customers' decisions in taking loans. On the other hand, lower interest rates tend to increase public interest in borrowing because the cost of loans becomes more affordable. This study aims to determine and analyze the effect of credit interest rates on customers’ loan interest in the banking sector. The research uses a quantitative approach with a simple linear regression analysis method. Data were obtained through questionnaires distributed to 100 bank customers who had previously taken or were currently taking credit loans. The sampling technique used was purposive sampling with certain criteria. Data analysis was conducted using validity tests, reliability tests, simple linear regression tests, t-tests, and coefficient of determination tests. The results of the study indicate that credit interest rates have a negative and significant effect on customers’ loan interest. The higher the credit interest rate, the lower the public interest in applying for loans. Conversely, lower credit interest rates can increase people’s interest in applying for credit. These findings indicate that credit interest rate policies are important factors that must be considered by banks in increasing credit distribution to the public.
PENGARUH LITERASI KEUANGAN TERHADAP PENGGUNAAN PRODUK PERBANKAN DI KALANGAN MAHASISWA Salman Alfarisi; Zahra Ibna Afifah Yuliarti; Sultan Iskandar Surya Dinata; Moh. Alfian Syahada; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 6 (2026): Jurnal Riset Multidisiplin Edukasi (Juni 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i6.2139

Abstract

Financial literacy is an individual's ability to understand, manage, and make appropriate financial decisions. A good level of financial literacy is an important factor in encouraging the use of banking products and services, especially among university students who are increasingly involved in various financial activities. This study aims to analyze the influence of financial literacy on the use of banking products among university students based on findings from previous studies. The method used in this research is a literature review, which examines various scientific journals, research articles, and relevant references related to financial literacy and the use of banking products. The findings indicate that financial literacy has a positive influence on the use of banking products. Students with a higher level of financial literacy tend to have a better understanding of the benefits, risks, and features of banking products, making them more likely to utilize services such as savings accounts, mobile banking, internet banking, deposits, and Islamic banking products. In addition, several supporting factors, including the accessibility of digital banking services, service quality, trust in banking institutions, religiosity, and promotional strategies implemented by banks, also influence students’ decisions to use banking products. Conversely, a low level of financial literacy may limit students’ ability to effectively utilize available banking services. Therefore, improving financial literacy through financial education, socialization programs, and financial learning initiatives is essential to enhance students’ understanding and utilization of banking products.
ANALISIS PERAN BANK INDONESIA DALAM MENJAGA STABILITAS RUPIAH DI TENGAH PENGUATAN DOLAR AS TAHUN 2026 Moh. Yunus Agung Prayoga; Moh Choirul Rizki M HR; Moh Rifqi Syahbani; Irfan Maulana Firdaus; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 6 (2026): Jurnal Riset Multidisiplin Edukasi (Juni 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i6.2179

Abstract

This study aims to analyze the role of Bank Indonesia in maintaining the stability of the Indonesian Rupiah amid the strengthening of the United States Dollar (USD) in 2026. The appreciation of the USD, driven by the Federal Reserve's interest rate policy, global economic uncertainty, and increased demand for safe-haven assets, has put pressure on the currencies of developing countries, including the Rupiah. This research employs a qualitative descriptive method using a literature review and policy analysis approach. The study utilizes secondary data obtained from publications of Bank Indonesia, Statistics Indonesia (BPS), the Ministry of Finance, the International Monetary Fund (IMF), the World Bank, as well as various scientific journals and economic articles. The findings indicate that the strengthening of the USD contributed to the depreciation of the Rupiah, increased inflationary pressures, and affected trade and investment activities in Indonesia. To maintain Rupiah stability, Bank Indonesia implemented various policies, including foreign exchange market intervention, adjustments to the policy interest rate, optimization of monetary instruments, strengthening foreign exchange reserves, and stabilizing the domestic financial market. These policies were considered relatively effective in reducing exchange rate volatility and maintaining economic confidence. Therefore, strong coordination between Bank Indonesia and the government is essential to strengthen national economic resilience in response to evolving global economic dynamics.
ANASLISIS PERSEPSI MAHASISWA TERHADAP PENGGUNAAN PAYLATER DAN DAMPAKNYA TERHADAP PERRILAKU KEUANGAN Achmarul Fajar; Aditya Iskandar Syah; Rifki Riyadi; Saniman; Nurul Musthofa
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 6 (2026): Jurnal Riset Multidisiplin Edukasi (Juni 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i6.2182

Abstract

This study, entitled "Analysis of Student Perceptions on the Use of Paylater and Its Impact on Financial Behavior," was written by Aditya Iskandar Syah, Rifki Riyadi, Saniman, and Nurul Musthofa from the Faculty of Economics and Business, Universitas Madura. This study aims to analyze student perceptions of the use of paylater services and their impact on financial behavior in the digital era. The research method used was a descriptive qualitative approach, with data collection techniques through interviews, observation, and documentation. The study sample consisted of 200 students who use paylater services such as Shopee Paylater, GoPayLater, Kredivo, and Akulaku, selected using a purposive sampling technique. The results show that students have a positive perception of paylater services because they are considered practical, easy to use, and offer easy payment options and various attractive promotions. However, the use of paylater also leads to increased consumer behavior, impulsive buying, and habitual behavior among students. Furthermore, low financial literacy and the influence of modern lifestyles also influence students' behavior in using paylater services. This study concludes that while using PayLater provides positive impacts in the form of transaction convenience and short-term financial assistance, it can also negatively impact financial management if used excessively. Therefore, improving financial literacy and self-control is necessary so that students can use PayLater services wisely and responsibly.
Co-Authors A. Yudi Heryadi Ach Lutfiadi Ach. Mahfudz Ach. Royis Rizaldy Adam Ahmad Adinda Nabilla Abdilla Putri Aditya Iskandar Syah Ahmad Kivlan Zain Akhmad Maulana Arizal Alyaa Destra A.f Aprial Trihandy Arikatul Faradies Ayunida Retno Megarani Bunga Mawar Mira Dera Damayanti Devi Lestari Paramita Putri Dhini Febriani Diana Afriliana Dinda Dwi Syachputri Priandini Dwi Indah Ria Astari Enjang Tri Fauwas Fahrul Rosi Fredy Apritama Djunaidi Galang Febriansyah Habbibur Rohim Ibnu Halwan Irfan Maulana Firdaus Irsatus Solehah Junaidi Efendi Kasanova, Ria Kusyairi Lailatul Maulida Lailatus Saadah Lutfiadi M. Khoiri Mar’atus Sholehah Maulidatus Sholihah Maulidi Insan Kamil Moh Choirul Rizki M HR Moh Dimas Dwi Prima Moh Norkholis Moh Rifqi Syahbani Moh Sajid Amrullah Moh. Adi Moh. Alfian Syahada Moh. Fajar Firmansyah Moh. Hanafi Moh. Yunus Agung Prayoga Mohammad Raihan Alghifari Muhammad Nazaldholifun Nafsi Nauval Khair Nur Laili Nur Syakherul Habibi Nurmalina Anastasya Nurul Alfian Nurul Hidayah Ansori Nurul Lutfiah Nurul Musthofa Nurul Toyyibah Putri Fatimah Qanita Farahdina Rachman Hakim Rahman, Fadali Rani Nur Fitrianti Rifki Riyadi Rohmaniyah Rohmaniyah Runik Puji Rahayu Rysca Alvia Salman Alfarisi Salwa Andina Agustin Saniman Serli Febriyanti Sinta Nur Emilia Siti Aisyah legenda Siti Salama Amar Subahri Subhan Subhan Sultan Iskandar Surya Dinata Syaiful Syaiful Syindina Anansyah UMAR FARUK Ustman Ustman Vina Qonita Vita Sari Yulia Ilmi Qur'ani Zahra Ibna Afifah Yuliarti Zef Risal Zufawra Ramadhani Zuhal Thoriq